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We come from a place of service, not sales. Two veterans of the service community, united by a single mission: making sure every military family and veteran has the best possible path to homeownership, with zero lender fees and zero runaround.
"You served this country. Now let us serve you. You've earned every benefit that comes with the VA loan, and we're here to make sure you use it."
Between us, we've lived the military life. Thomas served as a US Navy Chief Petty Officer, traveled the country, and now dedicates himself to helping fellow veterans and service members find their place to call home. Sean is a certified VA loan specialist who believes the VA benefit is the most powerful financial tool available, and that too many veterans aren't taking full advantage of it.
When you work with us, you're not a transaction. You're someone who gave everything to this country, and you deserve a team that brings that same level of commitment to getting you home.
The VA loan is the most powerful mortgage benefit in existence, and it's yours. Here's what you've earned:
No down payment required. Buy a home without depleting your savings or emergency fund.
No private mortgage insurance, saving you hundreds of dollars every single month.
VA loans typically carry lower interest rates than conventional financing.
More flexible credit requirements than conventional or FHA loans.
Use it once, use it again. Your VA benefit never expires and can be reused.
Sean waives all lender fees for active duty and veterans. No origination, no processing, no application fees. Your service earns this.
Sean pre-underwrites your loan before you write an offer. Your VA financing is as certain as cash in the eyes of every seller, competing with even all-cash offers.
Cash-CompetitiveMost VA loans take weeks. Sean closes in as little as 10 days using a fully streamlined process built specifically for military families who need to move fast.
10-Day CloseIf a lender error on Sean's part causes your loan to fail and the seller keeps your Earnest Money, Sean pays it back. Every dollar. Written guarantee.
Earnest Money ProtectedIf Sean's team makes a lender error that causes your loan to fail, and the seller tries to keep your Earnest Money Deposit, Sean will write you a check for the full amount. You've trusted us enough to go on this journey. We're not going to let you lose a dollar because of our mistake.
*EMD Guarantee applies in documented cases where a lender error on Sean Herrero's part directly causes loan failure and contract cancellation. Terms discussed at consultation. CrossCountry Mortgage, LLC.
Thomas grew up on the Eastern Shore of Maryland and joined the military right out of school, traveling the country and earning a Masters in Justice Administration. Now a licensed REALTOR® and property manager in Virginia Beach, he continues his lifelong passion of serving others, with a smile on his face.
Sean specializes in VA financing and believes the VA loan benefit is the most powerful financial tool available to military families. His 10-day close, EMD guarantee, soft-pull pre-approval process, and zero lender fee policy for service members and veterans are built to ensure you get the best possible experience, without the runaround.
You served. You sacrificed. You put others first. Now it's our turn to put you first. Let's get you into the home you've earned, with the financing you deserve.